Karma is experience, and experience creates memory, and memory creates imagination and desire, and desire creates karma again. If I buy a cup of coffee, that's karma. I now have that memory that might give me the potential desire for having cappuccino, and I walk into Starbucks, and there's karma all over again.
I have a loyalty that runs in my bloodstream, when I lock into someone or something, you can't get me away from it because I commit that thoroughly. That's in friendship, that's a deal, that's a commitment. Don't give me paper - I can get the same lawyer who drew it up to break it. But if you shake my hand, that's for life.